Motoring with Bob Roco Romeo: appsNmobile Solutions: a true leader in fintech innovations


AppsNmobile Solutions Limited is a wholly owned Ghanaian Fintech known in the market for its many market-first payment solutions that power businesses in various sectors of the economy.

Driven by Passion, Integrity, Innovation, excellent Customer service, and Excellence, the Company has demonstrated market leadership in all of its solutions, which cut across several sectors of the economy:

  • Introduction of Virtual Point of Sale – appsNmobile was the first to deploy point of sale (POS) solution that rides solely on the USSD Short Code. This solution enables easy payment at merchant points by dialing an assigned short code from any type of phone. This application provides unique menus for different sectors such as churches, OMCs, hospitals, pharmacies, general retailers, and schools among others.
  • Delivering Value for Money in the Agric Ecosystem – The Company’s continuous quest to innovate and solve major challenges facing businesses in Ghana led to the development of the AGROPAY platform. This solution was developed with Licensed Buying Companies (LBCs) in mind but its innovative and versatile design make it an ideal solution for any business that buys from farmers or cooperatives either directly or through middlemen. By enabling the disbursement of money electronically in exchange for the exact quantities being purchased, the farmer and the buying entity can derive the best value due them – whether produce or money. This delivers fair price to the farmer without any manipulation and an equally just quantity to the buying company.
  • Support to the banking system – appsNmobile’s influence and impact on the Fintech ecosystem is manifest in many sectors of the Ghanaian economy. The Company has various partnerships with leading banks in Ghana through which it develops innovative solutions that are delivered directly to the clients of these banks. Enabling merchants in many different sectors receive or make payment has never been this easy and this has earned appsNmobile a place of honor as a key technical partner of leading multinational banks in Ghana.
  • Partnering the Entertainment Industry – With the Company’s eTicket and eBallot solutions, we are able to partner with major entertainment brands to provide electronic ticket and voting solutions to power all their events. The solutions come in USSD and QR Code platforms. Similarly, ticket validation is carried out at the entrance seamlessly without any issues, a first of its kind in the Ghanaian entertainment industry.

Approach to Service Delivery

appsNmobile’s inspirational and continuous rise to leadership is hinged on the reliability of its systems and its bespoke approach to customer service and support. With a system reliability of 99.9%, the company assures its partners and merchants of uninterrupted operations with a round-the-clock support.

Certifications and Awards

The company has been awarded the Payment Service Provider (PSP) Enhanced License by the Bank of Ghana in 2021 and was one of the first Fintechs to receive a Payment Card Industry Data Security Standard (PCI DSS) certification in Ghana. The company’s innovative approach to promoting digital financial inclusion earned it a recognition by MTN Ghana as an Innovative and Emerging Fintech partner during the 10th MTN MoMo anniversary in 2019.

Products and Services:

Orchard is a versatile, dynamic and integrated payment gateway that was designed to offer flexibility and cater to the needs of a wide range of merchants. With a single API, merchants can easily connect to process their payments.

The gateway offers credit and debit transactions on mobile money wallets and debit transactions on cards. Terminations to local bank accounts are also seamlessly processed through this gateway. Companies or businesses that have to pay a long list of recipients whether one-time or regularly can just simply load a file onto to the platform and with just a click send funds electronically to thousands of recipients. Ghana card, MoMo and Bank account verification by merchants is one of the latest additions to the Orchard payment gateway. Merchants also have the flexibility of setting funds disbursement threshold with an in-built alert when such threshold is reached.

Billers such as airtime and data purchase (across all networks), entertainment (TV), ECG bill payments, etc are all available on the Orchard payment gateway.

Our remittance platform enables a financial institution to partner Money Transfer Operators (MTOs) to help them terminate remittances directly to mobile money wallets, bank accounts and for cash pickups.

AgroPay is designed to enable agribusinesses and produce buying companies effect payment directly to farmers via mobile money or bank transfers. This delivers value directly to farmers in return for the exact quantities being paid for. The solution also provides reports that match disbursements to stock levels.

VPOS is a USSD enabled collections solution that is quickly and easily deployed with various dynamic menus designed for specific organisations and general merchants among many others. Each entity is given a unique USSD short code extension (*447*XX#) as well as a portal to view and download reports. In addition to the end user dialling the short code to effect payment, merchants also have the option to initiate payment prompts to their customers to effect instant payments. VPOS comes in different models specifically designed for schools, churches, OMCs, hospitals, pharmacies, etc. to collect all forms of fees with so much ease and flexibility.

Trickles: The leading e-commerce app on the Ghanaian market that enables customers shop with ease with the added flexible option of installment payment plans. The app will soon provide subscribers flexible micro insurance and financial services in partnership with key industry players.

The future for appsNmobile

appsNmobile is poised to continue developing innovative and impactful solutions that enable businesses remain competitive. The CEO of appsNmobile, Mr. Richard Bansah, says the Company will continue to invest heavily in its people and processes so it can continue to develop and deliver innovative solutions that transform businesses and improve lives.

appsNmobile Solutions – Enabling Secure Payments…

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